Call reports 2016
COUNTY FIRST BANK — 2016
What COUNTY FIRST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 226,001,000 | 226,423,000 | 227,034,000 | 224,836,000 |
| Total loans | 138,996,000 | 140,502,000 | 152,759,000 | 157,692,000 |
| Allowance for loan losses | 2,147,000 | 2,373,000 | 2,561,000 | 2,657,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 52,065,000 | 48,703,000 | 46,918,000 | 43,645,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,412,000 | 198,227,000 | 198,785,000 | 197,751,000 |
| Interest-bearing deposits | 137,605,000 | 136,786,000 | 135,815,000 | 136,323,000 |
| Noninterest-bearing deposits | 60,807,000 | 61,441,000 | 62,970,000 | 61,428,000 |
| Equity capital | 24,487,000 | 24,646,000 | 24,891,000 | 25,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,959,000 | 4,054,000 | 6,032,000 | 8,060,000 |
| Interest expense | 98,000 | 194,000 | 291,000 | 387,000 |
| Net interest income | 1,861,000 | 3,860,000 | 5,741,000 | 7,673,000 |
| Noninterest income | 158,000 | 345,000 | 551,000 | 742,000 |
| Noninterest expense | 1,710,000 | 3,458,000 | 5,091,000 | 6,561,000 |
| Provision for loan losses | 0 | 105,000 | 210,000 | 210,000 |
| Pretax income | 309,000 | 642,000 | 991,000 | 1,644,000 |
| Income tax | 99,000 | 212,000 | 316,000 | 545,000 |
| Net income | 210,000 | 430,000 | 675,000 | 1,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,487,000 | 24,646,000 | 24,891,000 | 25,310,000 |
| Total capital | 26,407,000 | 26,580,000 | 26,959,000 | 27,425,000 |
| Risk-weighted assets | 153,332,000 | 154,237,000 | 164,926,000 | 168,656,000 |